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The prospect of earning a living and providing for your family could be frightening if you are suffering from an injury or illness that prevents you from working. The Social Security Disability Insurance program provides financial assistance to individuals who are unable to work for a period of at least 12 months.

To obtain SSDI benefits, applicants must meet certain standards, which could include having a qualifying medical condition or injury and having earned enough work credits during the course of their career. While the New Bern SSDI work credit requirements could be difficult to understand, they must be met by anyone who wishes to apply for long-term disability benefits in the United States. A seasoned SSDI attorney could help you learn what requirements you need to meet for social security disability insurance.

What Are Work Credits?

The Social Security Administration defines work credits as credits a person earns throughout their work history. A person could receive work credits towards the SSDI program while they earn legal wages and pay FICA taxes. While workers may obtain a maximum of four credits each year, the exact number of credits a person earns will depend on their income level and the age at which they become disabled.

As of 2018, one work credit is equal to $1,320 worth of earnings, and to qualify for SSDI, workers must possess at least 20 work credits if they are between the ages of 31 and 42. In certain cases, younger workers who do not meet the standard SSDI work credit requirements in New Bern may still qualify for SSDI.

Work Credit Requirements for Younger Individuals

It is possible for younger workers who do not have a minimum of 40 credits to apply for and receive SSDI benefits. If a person is under the age of 24, they could qualify if they have received a minimum of six credits within the three-year period prior to the start of their disability.

Applicants between the ages of 24 and 31 could apply for and receive SSDI benefits if they have received credit while working at least half the time between the age of 21 and the age at which they became disabled. If a person becomes disabled at the age of 28, they typically need work credit for a minimum of 3.5 years of work out of the past seven years (between the ages of 21 and 28).

Survivor Benefits Work Credit Requirements

When an SSDI benefits recipient dies, their loved ones could be eligible to receive survivor benefits. Similar to normal SSDI benefits, the number of work credits needed to qualify is much lower for younger individuals and no more than 40 credits will be needed.

Under special circumstances, children and spouses could qualify for survivor benefits even if their loved one did not have the necessary credits to qualify for regular SSDI benefits. If a person has earned a minimum of six SSDI work credit requirements in New Bern in the three years before their death, their loved ones could be eligible for survivor benefits.

Family members of individuals who are already receiving retirement or disability benefits at the time of their death could automatically receive the rest of their SSDI benefits.

Find Out If You Meet the New Bern SSDI Work Credit Requirements

If you are having difficulty understanding the current New Bern SSDI work credit requirements, or you do not know if you meet them, it may be beneficial to contact an attorney. A skilled SSDI attorney could help you learn more about work credits and navigate the SSDI application process. Reach out to an experienced attorney to see if you meet the work credit requirements today.